When Marianne and her partner Chris decided they wanted to buy a house, there was only one person they turned to for help. Kevin had previously helped Marianne’s mother with re-mortgaging and having been friends with Kevin’s daughter for many years, Marianne was aware of Kevin's profession.

The couple admitted they knew very little about the process of buying a house and appreciated the time Kevin took to explain the process. After their initial conversation to discuss their financial situation and aspirations, Kevin was able to offer a selection of lenders who were suitable for them. This gave the couple a price guide so they could start their search. 

In a fiercely competitive market, Kevin was also able to respond quickly and provide proof of funds to estate agents when they started to make offers on properties. He was also a calming and encouraging voice at the end of the phone when offers weren’t accepted, something the couple really appreciated, along with his words of encouragement.  

When taking out finance for your first mortgage, it’s important to have the right insurance policies in place. Mortgage lenders require you to have adequate buildings insurance on the property from the point of exchange and throughout the term of the mortgage. You should also consider insuring your contents and writing a will if you don’t already have one in place.

You may also want to review your Life Insurance to make sure your home is protected if you die or become terminally or critically ill.

A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or other debt secured on it.